This Online Banking Services Agreement and Disclosure ("Agreement") is entered into between Iowa State Savings Bank ("Bank") and the undersigned customer of the Bank. Subscribers to Iowa State Savings Bank Online Services are referred to in this Agreement as "you" or "your". This Agreement discloses how you can use online service to obtain account inquiries, transfer funds between your accounts, and request other bank services. This Agreement contains the terms and conditions governing the online service. If you use the online service or permit another to use the online service on your behalf, you agree to the terms and conditions stated in this Agreement.

1. Scope
   
   This Agreement governs on-line access to your accounts with the Bank. The terms and conditions set forth herein are in addition to, and do not cancel or supersede, any other agreements or signature cards governing your accounts or business relationships with the Bank. Persons you authorize to have access to your accounts through the Online service may not be the same persons who are authorized to sign on the account under your other agreements and signature cards with the Bank. In cases where your authorizations to other persons do not coincide with your authorizations for the same account(s) under signature card agreement(s), the signature card agreement(s) will govern the online service transactions.
   
   If you want to terminate your access to Iowa State Savings Bank Online Banking services, please call Customer Service at 641-782-1000 or 1-888-508-0142, 8:00 am to 4:00 pm Central Time Monday through Friday. We will send a written termination authorization for your signature and return to us. We reserve the right to terminate this service, in whole or in part, at any time with or without cause and without prior written notice. Upon termination, we reserve the right to make no further payments or transfers from your account(s) pursuant to this Agreement, including payments or transfers you have previously authorized. We also reserve the right to temporarily suspend this service in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of the system security may have occurred or is being attempted.



2. Online Services Available
   
   Iowa State Savings Bank Online Banking is available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, BUSINESS DAYS are Monday through Friday, except banking holidays. Iowa State Savings Bank has established its business day to end at 3:05 pm Monday through Friday. Transfers must be scheduled before the cut-off time of 3:05 pm on any business day in order for the transaction to be completed on that business day. Transactions initiated after 3:05 pm on a business day, Saturday, Sunday, or bank holiday will be posted on the NEXT BUSINESS DAY.
   
   Your online service payments and transfers will be indicated on your periodic statements we provide or make accessible by mail or delivery service. You have a right under federal law to receive such statements for accounts governed by the Electronic Funds Transfer Act ("EFTA") and Regulation E. We may also provide or make accessible to you statement information electronically or by some other means.
   
   Iowa State Savings Bank Online Banking service has no monthly fees or transaction fees for accessing your accounts and using features of the Online Banking. We reserve the right to add Online Banking service fees at any time. Iowa State Savings Bank will give all customers thirty (30) days notice before such a change. Other fees disclosed separately to you in connection with your accounts still apply.
   
   You are solely responsible for the equipment you use to access these services. In order to use the online service, you must have your own Internet Service Provider and the necessary computer equipment. We are not responsible for errors or delays or your inability to access this service caused by your equipment. We are not responsible under any circumstances for any damages to your equipment or the data resident thereon.
   
   To access Iowa State Savings Bank Online Banking through the Internet, you must log in for the first time using your Telebank PIN or your bank assigned Access ID and Password. After logging in for the first time, you must IMMEDIATELY change your Password. This is for your own protection. In addition, we recommend you change your Password regularly to protect the security and privacy of your financial information. Your Password must be between 6 and 12 characters in length, and it must contain at least 1 numeric and 1 alpha character. Your password is case sensitive. Upper and lower case letters must be typed exactly as they appear. You should keep your access IDs and Passwords confidential and should never share them with any other person. Anyone to whom you give your Access ID and Password will have full access to your accounts. Individuals (for example, a husband and wife) who have joint access to accounts should have their own distinct Access Ids and Passwords. We reserve the right to de-activate any Access ID at any time. If- your Access ID has been closed, you will be required to go through the registration process again.
   
   Iowa State Savings Bank welcomes communication with our personnel via email. You may e-mail us 24 hours a day, 7 days a week. E-mail message responses or comments are made during regular business hours. For additional information about what types of e-mails Iowa State Savings Bank will accept please refer to our E-Mail Policy.
   
   The Internet (including unencrypted email) is a non-secure network. We will not send confidential customer information through this channel and discourage you from doing so. (Our internet banking product is more secure than e-mail.)



3. Customer Liability
   
   Iowa State Savings Bank may accept, as authentic, any instructions given to us through the use of your Access ID and Password. You agree that if you give your Access ID and Password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use Iowa State Savings Bank Online Services. You should notify the Bank IMMEDIATELY if you believe any of your accounts have been accessed or your Access ID and Password have been compromised. Contacting the Bank immediately, especially by telephone, will help you reduce your potential losses.
   
   If someone used your Access ID and Password WITHOUT your permission, you can lose no more than $50.00 if you notify the Bank within two (2) business days of discovery. You can lose as much as $500.00 if you do not notify the Bank within two (2) business days of discovery and the Bank can prove that it could have prevented the unauthorized use had it been notified. Iowa State Savings Bank's Error Resolution Policy is provided to you on all periodic statements you receive from the Bank. Please refer to periodic statements for our Error Resolution Policy.



4. Bank's Responsibility
   
   The Bank is responsible for completing transfers on time according to your properly entered and transmitted instructions. However, the Bank will not be liable for completing transfers:
   • If, through no fault of ours, you do not have enough available money in the account from which payment or transfer is to be made, if the account has been closed, frozen, or is not in good standing, or if we reverse payment or transfer because of insufficient funds;
   • If the transfer exceeds the credit limit on any account;
   • If you have not given the Bank complete and correct instructions so that the Bank can properly credit your account or otherwise complete the transaction;
   • If you receive notice from a merchant or other institution that any payment or transfer you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact;
   • If withdrawals from any of your linked accounts have been prohibited by a garnishment, levy, or other legal process;
   • If your computer, your software, or the Online Service was not working properly and this problem should have been apparent to you when you attempted to complete a transfer;
   • If you or anyone you allow commits fraud or violates any law or regulation- with regard to your account, accounts or a transaction; or
   • If circumstances beyond the Bank's control prevent a transfer or payment despite safeguards taken by the Bank.

    

   It is Iowa State Saving Bank's general policy to treat your account information as confidential. For additional information regarding Account Confidentiality please refer to our Privacy Policy.



5. Governing Law
   
   This Agreement will be governed by, and construed in accordance with, the laws of the State of Iowa and the federal laws of the United States of America. (The law governing any deposit account subject to this Agreement will be that of the State of Iowa.)
   
   You agree that you have reviewed this Agreement, understand the terms and conditions set forth herein, and agree to be bound hereby.

I Agree | I Disagree

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